Went to buy gas at Shell, swiped my card, didn't read. Tried twice more, didn't read. So I went across the street to Chevron, worked right away.

Within an hour, I saw 3 T&E holds holds on my account, a fuel purchase for $69.48 and a grocery store purchase for $48 all in HUNGARY.

I called Citi bank. Froze my account, canceled my debt card. I'll get a new debt card in 10 business days, and I'll have to file a charge dispute for the amount taken from my account.

I really didn't need all this hassle right now... I can pull cash from a branch store. I'm thinking of pulling all but $100 from each of my accounts at Citi, and putting them into my other accounts at different banks so at least I'll have money to spend instead of waiting with my hands tied.

All and all, I think it will take about 1 month before I'll see disputed charges reimbursed.

Went to buy gas at Shell, swiped my card, didn't read. Tried twice more, didn't read. So I went across the street to Chevron, worked right away.

Within an hour, I saw 3 T&E holds holds on my account, a fuel purchase for $69.48 and a grocery store purchase for $48 all in HUNGARY.

I called Citi bank. Froze my account, canceled my debt card. I'll get a new debt card in 10 business days, and I'll have to file a charge dispute for the amount taken from my account.

I really didn't need all this hassle right now... I can pull cash from a branch store. I'm thinking of pulling all but $100 from each of my accounts at Citi, and putting them into my other accounts at different banks so at least I'll have money to spend instead of waiting with my hands tied.

All and all, I think it will take about 1 month before I'll see disputed charges reimbursed.

this is why I do not use a Debit Card for anything but accessing my bank's ATMs. I have a couple credit cards that get used all the time and I don't care if they get hacked, it's the CCC's money in play, not mine.

I really didn't need all this hassle right now... I can pull cash from a branch store. I'm thinking of pulling all but $100 from each of my accounts at Citi, and putting them into my other accounts at different banks so at least I'll have money to spend instead of waiting with my hands tied.

All and all, I think it will take about 1 month before I'll see disputed charges reimbursed.

This is exactly why I encourage people to not use debit cards for electronic point-of-sale. Use a credit card, because with a dispute, you're actual money isn't tied up.

I don't even carry my ATM/debit card anymore. I carry some emergency cash, but use my AmEx charge card exclusively (with a Visa credit card as backup for places that don't take AmEx. Whenever I need cash, I usually just walk into the bank and just provide proof of ID and my account number.

I also attempt to minimize the amount of money in my checking account as much as possible. I transfer the bulk to a savings account so there's another hoop to jump through to get to my actual money.

I have the opposite here. My card gets locked at least once a month (happened last night) for fraud alerts. I shop at the same places at the same times, I am very predictable when it comes to gas, food, ammo, and clothes. Yet they still lock my card and I have to convince a non-English speaker I am who I say I am, even though I have my PIN and ID. I wish you had the people watching you who watch me!

__________________"If Jesus had a gun he would be alive today"-Homer Simpson

Gas stations are known for this c-rap, thats why I use gas cards only !

Chevron being the main use......

__________________What is a Pipe Hitter? From the urban dictionary - “Someone or a group of people who are willing to go to the extreme in order to get things accomplished. Also known as a “Heavy Hitter”.

Gas stations are known for this c-rap, thats why I use gas cards only !

Chevron being the main use......

Even then you need to watch it. Someone installed a reader in our local Chevron station and charged 1200.00 worht of merchandise down south. Luckily they could see what happened and took off the charges and now when the card is used it asks for our zip code.

I guess that helps somewhat, but we still watch our Chevron bill closely after that one.

Even then you need to watch it. Someone installed a reader in our local Chevron station and charged 1200.00 worht of merchandise down south. Luckily they could see what happened and took off the charges and now when the card is used it asks for our zip code.

I guess that helps somewhat, but we still watch our Chevron bill closely after that one.

yes, my point exactly, Money is charged on their card and much easier to
deduct fraud and adjust as needed...

__________________What is a Pipe Hitter? From the urban dictionary - “Someone or a group of people who are willing to go to the extreme in order to get things accomplished. Also known as a “Heavy Hitter”.

Proud NRA Life Member As Of 2016"The American people will never knowingly adopt socialism, but under the name of liberalism they will adopt every fragment of the socialist program until one day America will be a socialist nation without ever knowing how it happened." – Norman Thomas, American socialist

Went to buy gas at Shell, swiped my card, didn't read. Tried twice more, didn't read. So I went across the street to Chevron, worked right away.

Within an hour, I saw 3 T&E holds holds on my account, a fuel purchase for $69.48 and a grocery store purchase for $48 all in HUNGARY.

I called Citi bank. Froze my account, canceled my debt card. I'll get a new debt card in 10 business days, and I'll have to file a charge dispute for the amount taken from my account.

I really didn't need all this hassle right now... I can pull cash from a branch store. I'm thinking of pulling all but $100 from each of my accounts at Citi, and putting them into my other accounts at different banks so at least I'll have money to spend instead of waiting with my hands tied.

All and all, I think it will take about 1 month before I'll see disputed charges reimbursed.

I've had this happen a few times with my wifes card. Citibank is actually really good about this, in our experience. Money is back in 24 hours and you just make a claim over the phone. They will leave your old card active but no longer tied to your account. If someone tries to use it again they go after them. I thought it was going to be a hassle and it really wasn't at all. The last time they actually called us and caught something and put the money back instantly and sent a new card. The only hassle was not having an ATM card for a few days.

You would be suprised at how easy it is to get something like that installed without anyone knowing. Store owners have to pay to have those machines in their stores most of the time and sometimes less than reputable companies are used to process transactions. Real easy to steal CC info when people dont care.

Quote:

Originally Posted by Scratch705

i pay inside the gas stations. eliminates all chances of card skimmers.

and if my card# gets stolen then, someone will be going to jail (ie gas attendant) since there is no way a card skimmer can be installed on the register without the worker being in on it.

__________________
"... Teddy Roosevelt hunted in the last century with a semiautomatic rifle. Most deer rifles are semiautomatic ... it's become a demonized phrase. The media distorts that and the public ill understands it. ..." - Charlton Heston

i pay inside the gas stations. eliminates all chances of card skimmers.

and if my card# gets stolen then, someone will be going to jail (ie gas attendant) since there is no way a card skimmer can be installed on the register without the worker being in on it.

You'd be surprised how uninterested many cities are to prosecute/investigate these things. I had three of my cards defrauded three months in a row by disreputable employees of Front Gate Tickets (for the Coachella Festival), and calls to the company, police, and even the local papers were all met with "meh." And yet, this was a fraud ring, because other ticket buyers were getting defrauded the same way.

If you order stuff online, there are a few banks whose credit cards have the feature "virtual credit card numbers" whereby they can issue you an additional credit card number tied to your account that is good only up to a certain limit or good for only a few months or good only for a certain vendor. Check with your bank to see if they offer this feature. If they don't demand it, and eventually they all will offer this awesome feature.

Charges in Hungary and it wasn't automatically frozen? Time for a new bank. I had to notify Chase I would be in Europe, which countries, and dates, so they wouldn't freeze my card.
I had my card hacked at one of the truckstops near Victorville totalling almost $1200. Back in the account within 24 hours. Chase rocks!